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QROPS - Qualifying Recognised Overseas Pension Schemes were introduced in 2006 as part of a major overhaul of Britain\'s pension framework, aimed at simplifying pension transfers to another country. New legislation was passed by the UK tax authority, HM Revenue and Customs (HMRC), in order to comply with an EU directive that pensions be free to move across Europe\'s borders. This ruling means that individuals, wishing to retire to countries such as France, Spain and Portugal can effectively take their UK pension funds with them: http://www.axis-finance.com/what-are-qrops.php
Who can apply for a QROPS?
A QROPS is specifically designed to allow anyone, not intending to retire in the UK, to transfer existing and frozen UK pension plans into a more appropriate retirement vehicle.
Individuals who are, or have been members of a UK registered pension fund and are currently living outside of the UK, or intending to leave the UK on a permanent basis, can consider transferring their retirement fund into a QROPS: http://www.axis-finance.com/qrops-living-in-France
Transfers to QROPS
The UK Government allows transfers to QROPS to be made free of UK tax. Their aim is to simplify the affairs of individuals leaving the UK on a permanent basis and to encourage them to continue saving in order to provide an income when they retire. There is no official limit to the amount of funds that may be transferred to a QROPS: http://www.axis-finance.com/qrops-France-pension-transfers
QROPS - HMRC Rules
What makes a scheme a QROPS?
In order to transfer your UK pension into a QROPS, it is necessary for the overseas pension scheme to be accepted by HMRC. The criteria outlined by HMRC for an overseas scheme to qualify as a QROPS include:
- The pension scheme must be established outside of the UK
- It must be recognised for tax purposes in the country where it is located
- It must be regulated in the country in which it is established
Age that benefits can be taken from a QROPS
The QROPS regime mirrors that of a regulated pension scheme in the UK. Benefits, including lump sum payments, from the transferred funds may not be distributed earlier than the normal retirement age of 55, if an individual has been a non-UK resident for less than five complete tax years: http://www.axis-finance.com/qrops-living-in-France-HMRC-Rules
QROPS Reporting requirements
HMRC should be notified if a payment is made within the first five tax years of a member becoming non-UK tax resident. Any benefits paid before five complete tax years of non-UK residency and not in accordance with UK Pension rules will be deemed an unauthorised payment.
The scheme manager does not have to notify HMRC if the payment is made 10 or more years after the day of the transfer that created the QROPS fund for the \'relevant member\', provided that the person is non UK resident for the duration of this period. This 10 year \'bracket\' for reporting payments took effect as of 6 April 2012.
QROPS List
When transferring your UK pension to a scheme overseas, it is important to check that the scheme meets the conditions to be a qualifying recognised overseas pension scheme (QROPS). Not all transfers to overseas or offshore schemes are QROPS transfers; it is therefore essential to verify that the scheme receiving your UK benefits is on the QROPS list published by HMRC, otherwise a transfer will be treated as a transfer to a non-qualifying overseas scheme and substantial penalties may be applied by HMRC at the time of transfer: http://www.axis-finance.com/qrops-list-living-in-France
How do I know if it is a legitimate QROPS scheme?
QROPS approved plans that agree to have their details published are listed on the HMRC website. A UK Pension administrator will confirm a QROPS listing before agreeing to a transfer. If not listed, the administrator will contact HMRC
For its 2015 Christmas video, TAP, the Portuguese leading airline, sought inspiration from its daily sounds to adapt, in an innovative way and for the first time ever, the renowned Christmas melody Jingle Bells, exclusively using aircraft sounds.
The leading actors are TAP employees and the A330 aircraft, CS-TOQ (‘Pedro Teixeira’) that embraced the spirit of the season to wish its passengers a Merry Christmas.
Launched on December 1st, TAP’s video went viral in Portugal with over 240,000 views and a 1,2M organic reach on Facebook with no media investment yet. On Youtube it gathered 25,000 views and appeared in all main media publishers.
It’s time for the world to see it! Happy holidays!
To view the multimedia release go to:
http://www.multivu.com/players/uk/7722751-tap-portugal-jingle-bells-aircraft-sounds/
http://MarutiShoes.campsiepromotions.com Designed in the fashion capitol of Milan and produced in Italy & Portugal, Maruti is a new and unique fashion footwear collection for men and women. Maruti is characterized by its distinct European street fashion design that will turn heads in your high st.
The Global Salmon Initiative (GSI) today launched its inaugural Sustainability Report at the Economist’s World Ocean Summit 2015 in Lisbon, Portugal. The landmark report showcases key environmental and social data across all 14 GSI member companies. This is the first time a global food sector has collectively reported on sustainability performance indicators in such a transparent manner.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7543151-gsi-inaugural-sustainability-report/
Blood is an essential component for life, but many people do not think about it until the need is critical. Each year 234 million major operations are performed worldwide, many involving blood transfusions or treatments resulting in a continuous need for donations.
That’s why Abbott (NYSE: ABT) and Real Madrid soccer star Cristiano Ronaldo are partnering to bring even more attention to this important cause. Regarded as one of the top soccer players in the world, Ronaldo will serve as the first global ambassador for the BE THE 1™ movement – developed to inspire young people around the world to regularly donate blood.
“We can all make a difference by donating blood. Each donation can benefit up to three people in emergency situations and for long-term medical treatments,” said Cristiano Ronaldo, forward for Real Madrid and Captain for Portugal National Football. “That’s why I am enthusiastic to be partnering with Abbott to bring awareness to the importance of blood donation and to encourage people around the world to become lifelong blood donors and help save lives.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7668251-abbott-cristiano-ronaldo-donate-blood/
An international survey conducted by GSK and released for World Meningitis Day shows gaps in the knowledge parents feel they have about meningococcal disease and its potential consequences. Almost 7 in 10 parents said they don’t know enough about the different strains of meningococcal disease and the potential damage they can cause. On average, more than half of parents were either unsure or unaware that there are different types of bacteria that cause the disease.
The survey of 5,000 parents in Brazil, Canada, Germany, Italy and Portugal also shows that out of a list of 14 vaccine-preventable diseases, meningococcal disease is considered by many parents to pose a top three health risk to their children. Fifty-seven percent listed meningococcal disease among the top three health conditions they considered of greatest risk to children followed by Hepatitis B at 34 percent, pneumococcal disease at 27 percent, polio at 25 percent, tetanus at 20 percent and pertussis at 17 percent.
A sudden, potentially life-threatening illness, meningococcal disease kills on average one person every eight minutes worldwide. It typically manifests as bacterial meningitis – an infection of the membrane around the brain and spine; or bacteraemia – a bloodstream infection. The disease progresses rapidly and it can lead to death within 24-48 hours of the first symptoms; globally up to 1 in 10 of those infected may die and in the US about 10-15 percent of people will die.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7814851-gsk-survey-world-meningitis-day/
